How much money needed to live by?

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19 Jun 2026

The problem isn't dying — but rather in living.
If I were dying, I wouldn't have to worry about finances or relationships. But if I were to live I'd have to calculate the bare minimum I would need to live by my months and days.
After a more rigorous thinking, I have reduced my monthly spends down to 70–80K (which is not a low number either) but down from 1L by 20–30%.
In this 70–80K:

35K is for paying Home loan EMI.
Rest 35K–45K is for everything else.

Breakdown:

35K: Home loan EMI

8K: Society dues (monthly)

1.2K: Internet

3K: Electricity

4.5K: Food

1K: Milk

4K: Subscriptions like DL.AI, WebVeda, PythonAnywhere, Naukri.com...

That's about 57K.
So, 13K for reasons like:

1: Medicine
2: Gadgets
3: Clothes
4: Travel
5: Car/Scooty maintenance
6: Petrol/Gas
7: Cooking gas
8: Or any other luxuries
9: House maintenance (MMV and Tri Nagar)

Effectively, we would run out of 70K, or average out over the time at 70K.
Doing a rough math for an FD @ 6.5% p.a. interest rate: we would need about 1.3 Cr to make enough money for our monthly spends.



If I were to live longer, I may need to have some relationships. And "Building and Managing Relationships" is what I am worst at. Totally clueless.

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